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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.10
FNFG's Cash to Debt is ranked lower than
53% of the 1259 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. FNFG: 0.10 )
FNFG' s 10-Year Cash to Debt Range
Min: 0.03   Max: No Debt
Current: 0.1

Equity to Asset 0.13
FNFG's Equity to Asset is ranked higher than
88% of the 1649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. FNFG: 0.13 )
FNFG' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.21
Current: 0.13

0.09
0.21
Interest Coverage 3.60
FNFG's Interest Coverage is ranked higher than
86% of the 1447 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. FNFG: 3.60 )
FNFG' s 10-Year Interest Coverage Range
Min: 0.32   Max: 3.6
Current: 3.6

0.32
3.6
F-Score: 5
Z-Score: 0.14
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 28.89
FNFG's Operating margin (%) is ranked higher than
73% of the 1594 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.40 vs. FNFG: 28.89 )
FNFG' s 10-Year Operating margin (%) Range
Min: 17.35   Max: 42.62
Current: 28.89

17.35
42.62
Net-margin (%) 20.25
FNFG's Net-margin (%) is ranked higher than
72% of the 1613 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.45 vs. FNFG: 20.25 )
FNFG' s 10-Year Net-margin (%) Range
Min: 12.15   Max: 165.55
Current: 20.25

12.15
165.55
ROE (%) 5.91
FNFG's ROE (%) is ranked higher than
66% of the 1615 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.13 vs. FNFG: 5.91 )
FNFG' s 10-Year ROE (%) Range
Min: 3.34   Max: 10.85
Current: 5.91

3.34
10.85
ROA (%) 0.78
FNFG's ROA (%) is ranked higher than
74% of the 1616 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. FNFG: 0.78 )
FNFG' s 10-Year ROA (%) Range
Min: 0.46   Max: 1.16
Current: 0.78

0.46
1.16
ROC (Joel Greenblatt) (%) 8.81
FNFG's ROC (Joel Greenblatt) (%) is ranked higher than
52% of the 1569 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 73.85 vs. FNFG: 8.81 )
FNFG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 7.53   Max: 157.69
Current: 8.81

7.53
157.69
Revenue Growth (%) 2.10
FNFG's Revenue Growth (%) is ranked higher than
78% of the 1443 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. FNFG: 2.10 )
FNFG' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 43.8
Current: 2.1

0
43.8
EBITDA Growth (%) 4.20
FNFG's EBITDA Growth (%) is ranked higher than
69% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. FNFG: 4.20 )
FNFG' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 49.2
Current: 4.2

0
49.2
EPS Growth (%) 2.80
FNFG's EPS Growth (%) is ranked higher than
67% of the 1283 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. FNFG: 2.80 )
FNFG' s 10-Year EPS Growth (%) Range
Min: 0   Max: 22.2
Current: 2.8

0
22.2
» FNFG's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2013

FNFG Guru Trades in Q2 2013

Jeremy Grantham 19,966 sh (New)
James Barrow 14,899,820 sh (New)
Meridian Funds 1,419,700 sh (New)
John Keeley 37,700 sh (+9.24%)
Richard Snow 6,732,135 sh (+3.29%)
Diamond Hill Capital 1,582,376 sh (+2.42%)
Louis Moore Bacon Sold Out
Mario Gabelli 848,940 sh (-0.06%)
HOTCHKIS & WILEY 694,700 sh (-1.26%)
Irving Kahn 168,632 sh (-13.73%)
David Dreman 2,590,351 sh (-15.29%)
RS Investment Management 2,866,983 sh (-36.43%)
Caxton Associates 153,848 sh (-58.97%)
Steven Cohen 674,314 sh (-59.49%)
Third Avenue Management 10,275 sh (-97.85%)
» More
Q3 2013

FNFG Guru Trades in Q3 2013

Jim Simons 404,405 sh (New)
Joel Greenblatt 26,743 sh (New)
Diamond Hill Capital 1,847,593 sh (+16.76%)
James Barrow 17,107,798 sh (+14.82%)
John Keeley 41,500 sh (+10.08%)
Richard Snow 6,782,770 sh (+0.75%)
Third Avenue Management 10,275 sh (unchged)
Mario Gabelli 848,940 sh (unchged)
Steven Cohen Sold Out
Caxton Associates Sold Out
Jeremy Grantham Sold Out
HOTCHKIS & WILEY 688,300 sh (-0.92%)
Irving Kahn 150,382 sh (-10.82%)
RS Investment Management 1,880,428 sh (-34.41%)
David Dreman 655,162 sh (-74.71%)
» More
Q4 2013

FNFG Guru Trades in Q4 2013

Paul Tudor Jones 75,724 sh (New)
Steven Cohen 158,109 sh (New)
Jim Simons 1,896,705 sh (+369.01%)
James Barrow 20,582,455 sh (+20.31%)
Joel Greenblatt 30,301 sh (+13.3%)
David Dreman 696,020 sh (+6.24%)
Diamond Hill Capital 1,922,298 sh (+4.04%)
John Keeley 41,500 sh (unchged)
Third Avenue Management 10,275 sh (unchged)
RS Investment Management 1,878,528 sh (-0.1%)
Richard Snow 6,752,485 sh (-0.45%)
HOTCHKIS & WILEY 684,900 sh (-0.49%)
Irving Kahn 149,382 sh (-0.66%)
Mario Gabelli 836,940 sh (-1.41%)
» More
Q1 2014

FNFG Guru Trades in Q1 2014

Steven Cohen 2,772,534 sh (+1653.56%)
HOTCHKIS & WILEY 2,877,500 sh (+320.13%)
David Dreman 1,014,771 sh (+45.8%)
Richard Snow 8,143,448 sh (+20.6%)
James Barrow 22,492,981 sh (+9.28%)
Paul Tudor Jones 78,388 sh (+3.52%)
Joel Greenblatt 30,850 sh (+1.81%)
John Keeley 41,500 sh (unchged)
Third Avenue Management Sold Out
Jim Simons Sold Out
Mario Gabelli 834,740 sh (-0.26%)
Diamond Hill Capital 1,916,596 sh (-0.3%)
Irving Kahn 146,189 sh (-2.14%)
RS Investment Management 1,823,791 sh (-2.91%)
» More
» Details

Insider Trades

Latest Guru Trades with FNFG

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
David Dreman 2014-03-31 Add 45.8%0.23%$8.22 - $10.62 $ 8.6-8%1014771
James Barrow 2013-12-31 Add 20.31%0.05%$10.19 - $11.26 $ 8.6-21%20582455
David Dreman 2013-09-30 Reduce -74.71%0.55%$9.88 - $10.98 $ 8.6-17%655162
Joel Greenblatt 2013-09-30 New Buy0.01%$9.88 - $10.98 $ 8.6-17%26743
Meridian Funds 2013-06-30 New Buy0.53%$8.59 - $10.07 $ 8.6-10%1419700
James Barrow 2013-06-30 New Buy0.25%$8.59 - $10.07 $ 8.6-10%14899820
David Dreman 2013-06-30 Reduce -15.29%0.11%$8.59 - $10.07 $ 8.6-10%2590351
John Keeley 2013-03-31 Reduce -95.99%0.14%$7.69 - $8.88 $ 8.64%34510
David Dreman 2012-12-31 New Buy0.69%$7.18 - $8.42 $ 8.610%3054268
John Keeley 2012-09-30 Reduce -64.95%0.32%$7.2 - $8.42 $ 8.69%990333
John Keeley 2012-06-30 Reduce -27.52%0.21%$7.51 - $9.79 $ 8.61%2825782
John Keeley 2012-03-31 Add 18.4%0.12%$8.97 - $10.26 $ 8.6-5%3898906
George Soros 2011-09-30 Sold Out 0.0019%$9.35 - $13.53 $ 8.6-24%0
Mario Gabelli 2011-06-30 New Buy0.12%$13.07 - $14.4 $ 8.6-38%1265850
George Soros 2011-06-30 New Buy$13.07 - $14.4 $ 8.6-38%10200
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of First Niagara Financial Group Inc

SymbolPriceYieldDescription
FNFGPRB0.007.37

Ratios

vs
industry
vs
history
P/E(ttm) 11.90
FNFG's P/E(ttm) is ranked higher than
84% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.40 vs. FNFG: 11.90 )
FNFG' s 10-Year P/E(ttm) Range
Min: 11.47   Max: 32.47
Current: 11.9

11.47
32.47
P/B 0.60
FNFG's P/B is ranked higher than
91% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. FNFG: 0.60 )
FNFG' s 10-Year P/B Range
Min: 0.56   Max: 1.55
Current: 0.6

0.56
1.55
P/S 2.10
FNFG's P/S is ranked higher than
82% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. FNFG: 2.10 )
FNFG' s 10-Year P/S Range
Min: 1.82   Max: 7.52
Current: 2.1

1.82
7.52
PFCF 4.90
FNFG's PFCF is ranked higher than
88% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 26.04 vs. FNFG: 4.90 )
FNFG' s 10-Year PFCF Range
Min: 4.64   Max: 210.5
Current: 4.9

4.64
210.5
EV-to-EBIT 19.58
FNFG's EV-to-EBIT is ranked higher than
69% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.36 vs. FNFG: 19.58 )
FNFG' s 10-Year EV-to-EBIT Range
Min: 15.1   Max: 50.7
Current: 19.58

15.1
50.7
PEG 2.30
FNFG's PEG is ranked higher than
77% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. FNFG: 2.30 )
FNFG' s 10-Year PEG Range
Min: 0.73   Max: 66.18
Current: 2.3

0.73
66.18
Shiller P/E 13.20
FNFG's Shiller P/E is ranked higher than
93% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 98.15 vs. FNFG: 13.20 )
FNFG' s 10-Year Shiller P/E Range
Min: 10.29   Max: 39.54
Current: 13.2

10.29
39.54

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.70
FNFG's Dividend Yield is ranked higher than
75% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.43 vs. FNFG: 3.70 )
FNFG' s 10-Year Dividend Yield Range
Min: 1.28   Max: 7.65
Current: 3.7

1.28
7.65
Dividend Payout 0.44
FNFG's Dividend Payout is ranked higher than
78% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. FNFG: 0.44 )
FNFG' s 10-Year Dividend Payout Range
Min: 0.12   Max: 3.2
Current: 0.44

0.12
3.2
Dividend growth (3y) -17.50
FNFG's Dividend growth (3y) is ranked higher than
59% of the 962 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.70 vs. FNFG: -17.50 )
FNFG' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 82.1
Current: -17.5

0
82.1
Yield on cost (5-Year) 1.58
FNFG's Yield on cost (5-Year) is ranked lower than
67% of the 1367 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.63 vs. FNFG: 1.58 )
FNFG' s 10-Year Yield on cost (5-Year) Range
Min: 0.55   Max: 3.28
Current: 1.58

0.55
3.28
Share Buyback Rate -20.40
FNFG's Share Buyback Rate is ranked higher than
52% of the 1242 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. FNFG: -20.40 )
FNFG' s 10-Year Share Buyback Rate Range
Min: 0   Max: -35.9
Current: -20.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.40
FNFG's Price/Tangible Book is ranked higher than
68% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.35 vs. FNFG: 1.40 )
FNFG' s 10-Year Price/Tangible Book Range
Min: 1.12   Max: 4.14
Current: 1.4

1.12
4.14
Price/DCF (Projected) 0.50
FNFG's Price/DCF (Projected) is ranked higher than
92% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. FNFG: 0.50 )
FNFG' s 10-Year Price/DCF (Projected) Range
Min: 0.46   Max: 1.06
Current: 0.5

0.46
1.06
Price/Median PS Value 0.50
FNFG's Price/Median PS Value is ranked higher than
97% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. FNFG: 0.50 )
FNFG' s 10-Year Price/Median PS Value Range
Min: 0.5   Max: 3.06
Current: 0.5

0.5
3.06
Price/Graham Number 0.80
FNFG's Price/Graham Number is ranked higher than
84% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. FNFG: 0.80 )
FNFG' s 10-Year Price/Graham Number Range
Min: 0.83   Max: 2.32
Current: 0.8

0.83
2.32
Earnings Yield (Greenblatt) 5.00
FNFG's Earnings Yield (Greenblatt) is ranked higher than
61% of the 1588 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. FNFG: 5.00 )
FNFG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2   Max: 6.6
Current: 5

2
6.6
Forward Rate of Return (Yacktman) 11.64
FNFG's Forward Rate of Return (Yacktman) is ranked higher than
69% of the 1260 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.98 vs. FNFG: 11.64 )
FNFG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1.8   Max: 41.4
Current: 11.64

-1.8
41.4

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
Traded in other countries:FNA.Germany
First Niagara Financial Group, Inc.was organized in April 1998 in Delaware. It provides a range of retail and commercial banking as well as other financial services through its wholly-owned, federally chartered savings bank subsidiary, First Niagara Bank. The company has identified two business segments, banking and financial services. The company's financial services activities consist of insurance and employee benefits consulting services. All of its other activities are considered banking. It provides its retail consumer and business customers with banking services including residential and commercial real estate loans, commercial business loans and leases, consumer loans, wealth management products, as well as retail and commercial deposit products. Additionally, it offers insurance and employee benefits consulting services through a wholly-owned subsidiary of the bank. The bank's subsidiaries provide a range of financial services to individuals and small and medium size companies in its market areas. The Company's main activity has been the origination of commercial real estate and business loans, leases, and residential mortgages to customers located within its main market areas. Consistent with its long-term customer relationship focus, it generally retains the servicing rights on residential mortgage loans that it sells which results in monthly service fee income to it. The company also originates and retains in its lending portfolio various types of home equity and consumer loan products. It originates commercial real estate loans secured predominantly by first liens on apartment houses, office buildings, shopping centers, and industrial and warehouse properties. Commercial business loans includes business term loans, letters of credit, and lines-of-credit issued to small and medium size companies in its market areas, some of which are secured in part by additional owner occupied real estate. The company's bi-weekly mortgages feature an accelerated repayment schedule and are linked to a deposit account to facilitate payments. It offers fixed-rate, fixed-term, monthly and bi-weekly home equity loans, and prime-based home equity lines of credit in its market areas. It offers a variety of fixed-rate installment and variable rate lines-of-credit consumer loans, including indirect mobile home loans as well as personal secured and unsecured loans. The Company's specialized lending portfolio consists of commercial leases and insurance premium financing. It offers a range of insurance products and consulting services to help both its retail and commercial customers achieve their financial goals.

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